A quanto sembra il problema delle contactless risiede piu' nella situazione di carte perse e cancellate ma non correttamente gestite dalla banca, per come la transazione venga gestita in 2 tempi
Sull'uso di terminali portatili, la cosa sembra molto piu' complicata e richiede una solida organizzazione alle spalle. Dal punto di vista della singola persona, la carta piu' di un tot di volte in un arco di tempo breve non lascia prelevare (3 nel mio caso personale).There are 92 million contactless cards in the UK, many of which could be vulnerable if lost or stolen – and thousands of people whose contactless cards have been lost or stolen should check statements for fraudulent transactions that may not have been flagged.
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Can a fraudster with a bogus contactless terminal steal money from my card by brushing up against me?
Today’s fraudsters are on the hunt for full card details. The only information that could possibly be read from a contactless card is the card number, the expiry date and in some instances, the cardholder name – the same information that’s available on the front of your card.
On its own this information is simply not useful for today’s fraudsters – who also need to get their hands on the really sensitive information, such as the CVV code (the three digit security code on the back of your card), PIN numbers, Verified by Visa passcodes, card security codes, billing addresses and other hidden security data. None of these essential details can be read from a contactless card.
Visa FAQ
In tutti i casi di frode, senza l'incuria dell'utente, la banca risarcisce, quindi non mi sembra un gran problema rispetto alla comodita'. Io e mia moglie lo usiamo regolarmente e la banca ogni tot si fa sentire per verificare lo storico delle transazioni.2.) A fraudster could take money from my card just by bumping into me in the street or on public transport
It’s not possible to simply ‘steal’ cash from a contactless card as money has to go through the card system.
First of all, you must have a retail account to get any money from a card payment. There are thorough security checks before these can be set up and new accounts are continuously monitored for any suspicious activity.
Moreover, as every card payment is fully traceable, right through to the recipient account, if any fraudulent activity was reported the recipient could be easily identifiable and the money would be taken back.
Finally, a contactless card has to be used in a specific way to work. That means it can only be a few centimetres away from the card reader and not near any metal objects, like keys and mobile phones, or indeed any other contactless card. The fraudster would also need to know where your card is.
So waving a card reader about in the street or on a train couldn’t take a payment from passers-by and there’s never been any verified report of this ever happening in the UK.
Uk card association
Che sia possibile non stento a crederlo, il fattore umano e' sempre la parte piu' debole della sicurezza
Aggiungo perche' mi son ricordato ora della stortura: la carta non andrebbe mai consegnata al commesso, difatto i terminali sono sempre a portata di uso del cliente, anche al pagamento al tavolo il cameriere dovrebbe consegnare il terminale al cliente, o lo fa su richiesta, dopotutto la paranoia si puo' anche gestire.
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Originariamente Scritto da Lo Zio
